中国适应气候变化保险制度研究

发布时间：2018-03-20 00:15

本文选题：气候变化　切入点：保险　出处：《清华大学》2015年硕士论文　论文类型：学位论文

【摘要】：适应气候变化保险制度是适应气候变化下的一种制度工具手段,是一种政策性的保险制度。适应气候变化保险制度的特点有:它是一种便利分散气候变化损害风险的契约性制度工具;它为预防、降低气候变化损害风险提供社会化管理工具;它需要政府的积极参与,是政府公共职能的体现;它是检测气候变化影响的一个重要窗口。现有的国内适应气候变化保险制度存在以下问题:一是相关的立法进程缓慢;二是政府支持力度不够;三是缺乏气候变化监管制度。从国外经验来看,美国由隶属于联邦应急管理局的联邦保险局负责管理和监督气候变化保险具体事务,由私营保险机构进行承保但不承担保险责任,最终由联邦保险局承担赔付。法国气候变化保险组织机构是政府和保险业共同经营。但是法国的中央再保险公司是主要经营者,由政府全资持股并且无限担保。我国未来要建立适应气候变化保险制度需要从以下几方面入手:一是采用综合立法模式,建立健全适应气候变化保险法律体系;二是确立适应气候变化保险监管制度,采用政府主导与商业运行相结合的运行模式,设立气候变化保险核心机构;三是设置适应气候变化保险具体法律制度,包括强制性的保险方式、有差别的费率标准和气候变化保险核心机构承担给付等。
[Abstract]:The adaptation to climate change insurance system is an institutional tool for adapting to climate change, It is a kind of policy-oriented insurance system. The characteristics of adapting to climate change insurance system are as follows: it is a contractual institutional tool to facilitate the dispersion of climate change damage risk, it provides a socialized management tool for preventing and reducing the risk of climate change damage; It needs the active participation of the government, it is the embodiment of the public function of the government, it is an important window to detect the impact of climate change. The existing domestic insurance system for adaptation to climate change has the following problems: first, the related legislative process is slow; Second, insufficient government support; and third, lack of a climate change regulatory regime. Judging from foreign experience, the United States has the Federal Insurance Agency, which is affiliated with the Federal Emergency Management Agency, responsible for managing and supervising specific matters of climate change insurance. To be insured by a private insurance institution without liability, and ultimately to be covered by the Federal Insurance Agency. The French climate change insurance organization is run jointly by the government and the insurance industry. But France's central reinsurance company is the main operator. In the future, the establishment of climate change insurance system in China needs to start from the following aspects: first, adopt the comprehensive legislative model to establish and improve the legal system of climate change adaptation insurance; Second, establish a regulatory system for adaptation to climate change insurance, adopt a government-led and commercial operation model, and set up core institutions for climate change insurance; third, set up a specific legal system for adaptation to climate change insurance. Include mandatory insurance, differential rates and core climate change insurance agencies to pay, and so on.
【学位授予单位】：清华大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

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